When it comes to things that go bump in the night, poltergeists have got nothing on underfunded retirements.
According to a new survey from MoneyRates.com, 79 percent of respondents have had a specific “financial scare” in the past and 87 percent have money fears about the future.
Of those 87 percent, the top fear is not having enough for retirement. Some other fears:
Debt: 31 percent have had credit-card balances or other bills they could not pay off immediately.
Carelessness: One in 10 admit to having forgotten to pay a bill, thus incurring late charges.
Bounced checks: Three times as many men as women say that an NSF situation was their worst financial scare.
The underlying theme of many of the fears cited? Not having enough money to build an emergency fund, says study author Richard Barrington.